How to Find the Best Car Insurance
for High Risk Drivers in Oregon
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- Car Insurance in Oregon
- High-Risk Car Insurance in Oregon
What Makes a Driver High-Risk in Oregon?
Anyone who has spent time behind the wheel knows that driving involves a wide range of factors. Not only do you have to think about your own safety and the safety of others, but there are numerous laws to follow to ensure you avoid an accident.
By not adhering to Oregon's driving laws, you may be considered a high-risk driver. Whether you are found speeding, driving recklessly, or operating a vehicle with a suspended license, you run the risk of being classified as a high-risk driver. You'll still have plenty of car insurance options in Oregon if that's the case, but you should expect your rates to be higher than usual.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
What’s in the Oregon High-Risk Car Insurance Guide?
- What Are the Best Car Insurance Companies for High-Risk Drivers in Oregon?
- How Much Does High-Risk Driving Affect Car Insurance Rates in Oregon?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in Oregon?
- How Does an at-Fault Accident Impact Insurance Rates in Oregon?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Oregon?
- Does Driving With a Suspended License Impact Car Insurance Rates in Oregon?
What Are the Best Car Insurance Companies for High-Risk Drivers in Oregon?
If your driving history is less than perfect and you're considered a high-risk driver, you'll find that car insurance may be more expensive than before. Some companies in Oregon work specifically with high-risk drivers to help them obtain insurance that's priced reasonably, so it's best to shop around when it comes time to enroll. Some of your best options include:
| Carrier | Avg. Monthly Cost |
|---|---|
| Mile Auto | $120 |
| Travelers | $141 |
| Kemper | $159 |
| Nationwide | $178 |
| Liberty Mutual | $208 |
| Bristol West | $231 |
| Midvale Home & Auto | $235 |
| American Family Insurance | $243 |
| Safeco Insurance | $245 |
| Dairyland Insurance | $269 |
How Much Does High-Risk Driving Affect Car Insurance Rates in Oregon?
You might think that one simple speeding ticket isn't a big deal, but a wide range of poor driving behaviors could place you in the high-risk category. Failing to stop at a stop sign or reckless driving can play a huge role in your car insurance premiums.
Even if you do find that you're now considered a high-risk driver, you won't have to worry about finding car insurance. There are still affordable options on the market, but it's best to do some research. The next time you hit the road, consider just how much of an effect these driving infractions will have on your car insurance rates:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $178 |
| Speeding Ticket | $235 |
| At-Fault Accident | $237 |
| Reckless Driving | $201 |
| Failure to Stop for Red Light / Stop Sign | $233 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Oregon?
Most people will tell you that it doesn't pay to speed, as you may only save a mere minute or two when you're running late. What you won't save on, however, is your car insurance rate in Oregon. Here are the common rates you can expect, as a speeding ticket may cost you up to $57 more per month on your premium:
How Does an at-Fault Accident Impact Insurance Rates in Oregon?
An at-fault accident can be serious, but thankfully, it won't affect your eligibility for car insurance in Oregon. Most drivers find that their rates do increase by about $59 or so, proving that it's important to stay attentive on the road. Oregon drivers found at fault for an accident can expect their rates look similar to these:
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Oregon?
Sometimes, it might seem that a stop sign or red light comes out of nowhere, but driving straight through can be a costly mistake. Should you get caught for this type of violation, you can expect your car insurances rates to increase $55, with average Oregon prices looking like this:
Does Driving With a Suspended License Impact Car Insurance Rates in Oregon?
Anyone who has spent time behind the wheel knows that driving involves a wide range of factors. Not only do you have to think about your own safety and the safety of others, but there are numerous laws to follow to ensure you avoid an accident.
By not adhering to Oregon's driving laws, you may be considered a high-risk driver. Whether you are found speeding, driving recklessly, or operating a vehicle with a suspended license, you run the risk of being classified as a high-risk driver. You'll still have plenty of car insurance options in Oregon if that's the case, but you should expect your rates to be higher than usual.
Tips for Researching High-Risk Oregon Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Oregon draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
